Updating Thriftygal’s Charts – August and September 2014

You guys! I’m so sorry I’ve been lazy about this website. My day job takes up most of my life and the rest of my time is spent crossing various items off my Australian bucket list.

The market has been sucking lately which means that I do not update my charts daily for an easy mood booster. I do, however, check the price of VTSAX and cheer on the sale.

Here is what my chart looked like at the end of July 2014.

And August.

The expenses line moved back up in August. The projected passive income line, however, went up a happy amount.

The market was up at the end of August and my net worth went up almost $29,000. Psychologically, I also passed a couple important milestones. I am halfway to being the millionaire next door and my monthly projected passive income would cover my monthly expenses from 2012.

I was indeed flying high. And then came September. People wrote stories saying the market was overvalued. People read stories saying the market was overvalued. The market did what the market does. It fluctuates. My expenses went down slightly, but for the first time since starting this blog, my net worth decreased.

The flip side of the projected passive income line moving maddeningly slowly upwards is that it moves refreshingly slowly downwards.

Admittedly, I do not like seeing my net worth decrease, but since I’m in the buying phase of my financial independence, I’m THRILLED that the market is dropping and I’m scooping up VTSAX cheaper.